Small Business Checking – Designed for small businesses with lower banking transaction volume

$100 minimum balance to open

Small fee only if “average daily balance” falls below $5,000

Per item fees for items in excess of 150

Business Checking with Interest - Sole Proprietorships and Non-Profit Organizations only

$100 minimum balance to open

Interest paid on all balances

Interest begins to accrue on first business day of deposit

Interest calculated daily and credited monthly

Small fee only if “average daily balance” falls below $1,500

Business Charter Prestige Account - A high balance-high yielding NOW Account for Sole Proprietorships and Non-Profit Organizations only

$10,000 minimum balance to open

Maximum interest rate paid on balances of $50,000 or more

Interest calculated daily and credited monthly

Interest begins to accrue on first business day of deposit

Business Money Market Account – Interest Bearing**

$200 minimum balance to open

Interest paid on all balances

Interest begins to accrue on first business day of deposit

Interest calculated daily and credited monthly

Small fee only if “average daily balance” falls below $2,500

Business Savings Account – Interest Bearing**

$100 minimum balance to open

Interest calculated daily and credited monthly

$300 average daily balance to avoid maintenance fee
Business Account Analysis – Designed for high volume transaction balance accounts

Strengthen your cash management control

Manage your bank accounts

Detailed monthly overview and bank balance position

Access to timely and accurate information

Monitor service charges and determine necessary balance requirements

Evaluate use of available funds

Certificates of Deposit

Variety of Terms

Attractive market rates

Personal Accounts

A Deposit Account to meet your needs!

Regular Checking – traditional account

$100 minimum balance to open

Maintenance fee imposed if the account falls below $500 any day during the month.

EZ Checking – low volume account

$50 minimum balance to open

$5 per month maintenance fee

Includes 10 check or ATM withdrawals per month

Personal Checking with Interest – earn interest while you spend

$100 minimum balance to open

Interest paid on all balances

Interest begins to accrue on first business day of deposit

Interest calculated daily and credited monthly

Small fee only if “average daily balance” falls below $1,500

Charter Prestige Account - A high balance-high yielding NOW Account

$10,000 minimum balance to open

Maximum interest rate paid on balances of $50,000 or more

Interest calculated daily and credited monthly

Interest begins to accrue on first business day of deposit

Personal Money Market Account – Earn interest while you save**

$200 minimum balance to open

Interest paid on all balances

Interest begins to accrue on first business day of deposit

Interest calculated daily and credited monthly

Small fee only if “average daily balance” falls below $2,500

Personal Savings Account – Traditional savings**

$100 minimum balance to open

Interest calculated daily and credited monthly

$300 average daily balance to avoid maintenance fee

Certificates of Deposit

Variety of Terms

Attractive market rates

**Transaction Limitations: You may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle.